Welcome Midland Community Bank Customers to UCB and Our UCB Family of Banks!
Our communities have always united Midland Community Bank and United Community Bank! Now, we’re uniting our strengths to serve you even better. Together we’re building on a shared legacy of community banking while remaining committed to what matters most: local relationships, trusted advice, and helping our customers and communities thrive – today and for generations to come.
On October 12, 2026, Midland Community Bank locations in Kincaid and Taylorville became part of United Community Bank. This special section of our website is dedicated to sharing information and help keep you informed of key dates and important information regarding changes to your accounts, new features, enhances services, and much more!
Important Notices:
Welcome Book
Recently, you should have received a Welcome Book in the mail! This comprehensive magazine-style guide, mailed on September 11th, includes detailed information on United Community Bank, important notices about your account and service transitions, answers to frequently asked questions, and much more. This guide is available to view and download from the UCB Welcome page, and both our locations in Kincaid and Taylorville have copies available as well.
Debit Card Holders
You should have also recently received NEW UCB Everyday Points Debit Card in the mail! These were expected to arrive the week of September 21st. Please note the following important updates:
- Your MCB debit cards no longer work as of 9:00am on Monday, October 12. Please safely destroy and discard it.
- Activate Your New UCB Everyday Points Debit Card
- Please follow the instructions in the mailer and on the card label to activate your card. For your convenience, you may call the toll-free, automated activation line at 800-992-3808. You may also visit your Banker or contact our E-Services team at 877-BANK-104 (877-226-5104) Monday - Friday 7:00 am - 6:00 pm and Saturdays 8:00 am - Noon.
- PIN Assistance - You may select a PIN (personal identification number) for your new card by calling the toll-free activation number at 800-992-3808, or in your new Digital Banking profile (see enrollment information below) by selecting "Cards" and "Set PIN." PLEASE NOTE: For your security, you must call the activation number from your registered phone number. To set your PIN in your Digital Banking, you will receive the verification code sent to the same registered number. If we do not have your current phone number on file, please stop by your nearest UCB location for PIN assistance.
Online Banking & Bill Payment Users
You now have access to your new UCB Digital Banking online at UCBbank.com and via your UCB Banks Mobile* App. To login for the first time, you must re-enroll. Your previous MCB login credentials are no longer active. Please refer to the Digital Banking Enrollment Guide for complete details and assistance getting started.
- Online & Mobile Banking Users
- When you login on Monday, October 12, account balances will be listed as of Friday, October 9, and you will be able to view any new UCB debit card transactions. Beginning on Tuesday, October 13, you will be able to view recent past transactions, including any from the previous weekend.
- You will also have access to view account statements from the past year including your final MCB statement as of Friday, October 9.
- If you note any accounts missing from your Account Summary, please contact your Banker or our E-Services team at 877-BANK-104 (877-226-5104) Monday - Friday 7:00 am - 6:00 pm and Saturdays 8:00 am - Noon.
- Online Bill Pay Users - Your Bankers will be contacting you directly and will be happy to assist you in reestablishing your biller information in your new UCB Digital Banking. Please refer to the Welcome Book and Frequently Asked Questions for more detailed information and other important changes.
Deposit Account Changes
Your current deposit accounts have transitioned to new UCB deposit accounts. However, unless you have been personally contacted, your account number remains the same. Your account type though, has changed to the UCB account that most closely matched the features and benefits of your previous Midland account. Please refer to these Deposit Account Changes beginning on page 8 in the Welcome Book for more information about your new account types, as well as the terms and conditions beginning on page 18.
Loan Accountholders
This transition did not affect the financing terms of your loan. Your loan number remains the same and you now have the added convenience of additional locations. For specific loan account questions, you may contact our Loan Servicing Center toll-free at 1-888-822-4087. The mailing address is PO Box 148, Gillespie, IL 62033. You will receive a letter in the mail outlining the complete details of the changes to your loan service provider.
Thank you for Banking with Us
We look forward to serving all your financial needs as United Community Bank and we invite you visit with us and to explore the rest of our website to learn more about exciting new accounts, services, and resources to help you live your best financial life!
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